Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,616

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Joan

A Freebie that paid!

I have never had pet insurance. I got a new Frenchie from an extremely reputable breeder in Canada and she was already signed up for a "free trial" with Embrace for 2 months. Never in a million years did I expect she would acquire an autoimmune disease. This was her diagnosis after thousands of dollars of exhausting testing. I had a very sick little puppy. The GOOD news is Embrace paid me 5 thousand dollars (yearly max under the trial plan) NO QUESTIONS, QUICK AND EASY. The BEST news is she is now recovering. Needless to say I am signed up with Embrace for all my dogs forever!
5

out of 5

POSTED: | BY: Julia T.

Awesome!

I've had Embrace for 4 years now. It is worth every penny. We have changed our plan guidelines a bit here and there (when she was a puppy we had it a bit higher due to more frequent vet visits), but I'm so glad I have it. 1. Peace of mind (knowing I won't have to choose between saving my pet and going broke!) 2. the claims are VERY easy to do 3. Direct Deposit 4. quick service I've NEVER had a problem with embrace and recommend it to everyone I know!
5

out of 5

POSTED: | BY: Sonseeahray Green

I just love embrace....

I had been researching pet insurances for some time and thought I had found a great one. Needless to say when I sent in my first claim, all I got was the run-around. I cancelled with that insurance and started the elusive search again. This time I found Embrace. From the very beginning the customer service was astounding. I adopted sprinkles from a shelter and along with insurance for major illnesses I was seeking wellness insurance. She has skin problems and I was concerned about her scratching. Thanks to embrace wellness insurance I am able to get her nails clipped monthly and get reimbursed for this wellness service without any hassles. She still scratches from time to time but I feel better knowing that her claws are being maintained so she doesn't hurt herself.
5

out of 5

POSTED: | BY: Sharon Hunt

Must have insurance for your beloved pet!

Our beloved American Bulldog "Farrah," was recently diagnosed with lymphoma. The sadness and uncertainty of the diagnoses was lessened knowing we had Embrace Insurance and could get the best care available for our girl. Veterinary care is incredibly expensive… our dog's treatment will be over $10,000! If you consider your pet a member of your family like we do, I would highly recommend you get pet insurance. I did my homework and I think Embrace has one of the best policies available. They are quick to review and process claims too. Thank You Embrace!
5

out of 5

POSTED: | BY: Michael Fischetti

Wellness Claim Refund!

Excellent response to our first Wellness claim. The claim was processed quickly and a refund for 100% of the cost has been issued. My prior insurance carrier only paid a portion of wellness based on a schedule. It's nice to know that I'll be reimbursed 100% of our first visit!!

Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.

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